Are you looking for suitable cash envelope binders for organizing your cold hard cash? We’ve got all the best cash envelope binders you can choose from to get your budget on track!
What is the cash envelope budgeting method? It’s a budgeting method where you take actual cash and divvy it up into separate categories.
Common categories for cash envelope budgeting include:
- Fun Money
- Personal Care
Why would anyone use the cash envelope method? It seems pretty old school.
Well, it is. However, there are some significant benefits to using the cash envelope budgeting method.
There are plenty of reasons to use cash envelope binders to keep track of your budgeting. The best reason is it’s much easier to see how much you have to spend when it’s laid out right in front of you.
Often, it’s easy to put an expense on our credit cards and then worry about it later. The cash envelope method is a way to deter you from making those unnecessary purchases.
Make Decisions About Your budget
The cash envelope budgeting method forces you to buckle down and decide what areas of your spending you need to prioritize.
By using cash, you can divvy out and rearrange parts of your budget as necessary. No one expects you to have a tight budget and stick to it.
Sometimes life gets in the way, and you end up spending more on an unexpected expense. The cash budgeting method allows you to easily cut down on your fun money and add more to your car bills if needed.
see how much you have to spend
How many of us know how much money is in our bank account at any given time? We usually have an estimate, but it’s so easy to spend more money than you have when you’re dealing with only credit cards.
The cash budgeting method forces you to see how much is coming straight out of your wallet in real-time.
sets a hard limit on how much money you spend per category
While we did say all budgets can be fluid, the cash method helps you solidify certain parts of your budget. For example, if you know you can get by with spending $50 a week on groceries, you shouldn’t be overspending in that category.
Groceries don’t usually end up being an emergency spending category. Using cash will help you only to spend the allocated $50 when you’re in the grocery store.
Keeps you from making impulsive purchases
You can’t buy something if you physically don’t have the money for it. The cash budgeting method helps hold you accountable.
When you’re planning your trip to the grocery store, you can bring your cash and leave the credit cards at home. This ensures you only spend what you bring with you.
1. SKYDUE Budget Binder
The SKYDUE budget binder is an excellent option for keeping your money pouches organized in one place. This cash envelope binder comes in a variety of colors as well! At the time of this post, this cash envelope binder sells for only $12, so it’s budget-friendly.
This budget binder also has cardholders on the side for other essential items you might need to bring with you. The money envelopes are removable, so you can leave what you don’t need at home.
2. Leapard Cash Envelope Budget Binder
The leopard cash envelope budget binder is so adorable to carry around with you. This budget binder also comes with budget sheets so that you can write down your spending on paper.
This is useful, so you don’t need to reach in and count your cash constantly. With everything written down, you can see how much is remaining for each category during the budget period.
This budget binder also comes with labels for each of the 12 clear binder pockets.
3. Budget Planner and Monthly Bill Organizer
If you’re looking for a budget binder that caters more toward the actual budgeting, then this is the perfect planner for you. This budget planner is good for the whole year and comes with cash envelopes for organizing your cash budget.
This budget binder has customizable tabs and labels, so you can decide what an essential part of your budget is and what is not.
The only downside with this binder is that it’s not easy to carry around if you’re planning to do your shopping.
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4. Zippable Cash Budget Binder
While flashy, this cash envelope binder zips up to keep your bills extra secure. With 12 envelope pieces and budget category stickers, this cash envelope binder makes for a great choice.
This cash envelope binder also comes with budget sheets so that you can keep a written record of your spending. The zipper design is a selling point when it comes to this cash envelope binder. Keeping your money secure is a must!
5. Tabbed Plastic Budget Envelopes
The tabbed plastic budget envelopes are an excellent option for at-home cash budgeting. This option is perfect for those who need plenty of organization in their budget. These plastic budget envelopes can stay in a safe place at home and can easily be removed for spending when necessary.
The tab design is a plus because you don’t even need to flip through this budget binder to find the cash category you need.
The only downside to this specific product is that it’s not easy to carry around with you for shopping. Many people might see this as a benefit because you can’t take all of your money at once to spend!
6. SOUL MAMA Budget Binder with Cash Envelopes
The SOUL MAMA budget binder with cash envelopes is an excellent option for someone who needs to organize their cash in one place. This budget binder is made of leather and clasps, making it compact for carrying with you on errands.
The labels on the cash envelopes are a selling feature on this budget binder. This budget binder also comes with an expense tracker, which is an added plus.
If you are someone who needs a budget binder that’s easy to carry around, this one might be for you!
7. Clever Fox Cash Envelopes
The Clever Fox cash envelopes are more traditional when it comes to cash envelope budgeting. One main selling feature to these is you can write directly on them!
The way these envelopes are set up is so you can see what you budgeted and how much you spent. This is great for allowing leftover money to be reallocated for the next month’s budget.
8. Solgit All-In-One Cash Envelope Wallet
The Solgit all-in-one cash envelope wallet is an excellent choice for someone who is always on the go. This budget binder allows you to secure your money by zipping up the pocket!
There is also a fold-out feature for easier access to loose bills and credit cards. Each envelope secures to the 3-ring binder, so you won’t need to worry about losing any part of your budget.
9. Binder Cover With 12 Clear Envelopes
Last on our list of cash envelope binders is a simple, but functional binder. This binder cover with 12 clear envelopes has many other features which make it much more than just a cash envelope binder. Each envelope has a color-coded label attached to it.
Not to mention that it is possible to custom choose which items you would like to include in your purchase, from budget sheets to labels to extra envelopes.
This budget binder is so adorable and one of our favorite options from the list.
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